Best FE Carrier for Tobacco?

Discussion in 'Final Expense Forum' started by Labesky, Aug 29, 2017.

  1. Labesky
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    Labesky Super Genius

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    I don't write a lot of FE so I only use a couple of carriers. SNL is 30-40% adder for tobacco

    Any carrier out there with far lower premiums?
     
  2. jdeasy
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    KSKJ Life...............
     
  3. TwiLight
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    TwiLight Guru

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    KSKJ stands out as the best usually. Assurity is good also.

    You get many other players at around Age 70 that are not more that 5% apart.

    Oxford, Assurity, MOO, Foresters.
     
  4. HoosierLife
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    HoosierLife Guru

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    Trans, SLAC and lifeshield.
     
  5. BoJax
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    BoJax Super Genius

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    In which situation is kskj not the best carrier to go with? and if I contract with them through FEX, can they advance or is it still as earned?
     
  6. Labesky
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    Labesky Super Genius

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    Thanks fellas........................
     
  7. TwiLight
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    you mis-understand..... you have to pay KSKJ in order to write with them.....

    Silly agents...:D:D
     
  8. BoJax
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    BoJax Super Genius

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    I don't get it....
     
  9. jdeasy
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    jdeasy Guru

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    How is selling certificates a liability? Whether it's crap or not is a matter of opinion.

    Personally I would rather own an RNA, KSKJ, or Foresters certificate than crap like a MoO or AmAm policy. Again, that's opinion.

    ----------

    Cancer in the last 4 years. Insulin users. Most of the crazies. Those are just some of things that you probably wouldn't use KSKJ for.

    No idea on the advancing. Or even if they are contracting new agents.
     
  10. BoJax
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    BoJax Super Genius

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    Thanks for the info. They seem like a must have.
     
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